700564--3/2/2009--FULTON_FINANCIAL

related topics

{condition, economic, financial}

{tax, income, asset}

{acquisition, growth, future}

{regulation, government, change}

{competitive, industry, competition}

{regulation, change, law}

Price fluctuations in securities markets, as well as recent market events, such as a continuation of the disruption in credit and other markets and the abnormal functioning of markets for securities, could have an impact on the Corporation s results of operations. If the goodwill that the Corporation has recorded in connection with its acquisitions becomes impaired, it could have a negative impact on the Corporation s results of operations. Difficult conditions in the capital markets and the economy generally may materially adversely affect the Corporation s business and results of operations. The Corporation does not expect these conditions to improve in the near future. A prolonged economic downturn, especially one affecting the Corporation s geographic market areas, could reduce the Corporation s customer base level of deposits and demand for financial products, such as loans. Recent negative developments in the financial industry and the credit markets may subject the Corporation to additional regulation The Corporation s future growth and liquidity needs may require the Corporation to raise additional capital in the future, but that capital may not be available when it is needed or may be available at an excessive cost. The competition the Corporation faces is significant and may reduce the Corporation s customer base and negatively impact the Corporation s results of operations. The supervision and regulation to which the Corporation is subject can be a competitive disadvantage.

Full 10-K form ▸

700564--3/2/2009--FULTON_FINANCIAL_CORP